What Is Covered On Your Water Damage Insurance Claim?

What Is Covered On Your Water Damage Insurance Claim?

Your home recently got water damage. This is never a fun situation to deal with. The most significant stressor seems to always be whether or not your insurance will cover it. The team at Mutual Claims Services is here to help you with your water damage insurance claim. We want you to be fully aware when you can claim water damage coverages on home insurance. We are the experts on water damage Miami residents can trust.

 

It Is More Common Than You Think

Water damage is one of the most common causes of home insurance claims, believe it or not. According to ISO, Water damage claims are the second largest frequent insurance claim, following wind and hail damage. The percentage of claims due to water damage is also increasing, while other causes of damage have stayed fairly consistent or even decreased. It is no wonder people have a lot of questions about water damage and what is covered under your homeowner’s insurance, and why things, like “gradual damage” are not covered.

 

So, what are the different types of water damage? They are as follows:

  • Flood
  • Storm-related water damage
  • Sudden or accidental discharge
  • Sewer back up and overflow

If you are dealing with gradual water damage, such as leaking pipes overtime, seepage coming from cracks, or deteriorating parts of the rood, it is usually not covered by insurance.

 

What Is Covered In A Water Damage Insurance Claim?

There are some common questions people ask about what their home, condo or renter insurance covers, for water damage, here are a few of the most common questions:

  • Is a water leak covered by home insurance?
  • Is a leaking toilet covered by insurance?
  • Is water damage from a leaking roof covered by insurance?

The answer to whether these are covered or not depends on the source of the damage, the type of policy you have and if the water damage is accidental and sudden or gradual.

 

Avoid The Denial With These Tips

Maintain records of repairs and the professionals you have hired over the years to do maintenance. This may become very important in the event of a loss, and is good practice to keep as a homeowner.

Make sure you understand all the coverages on your policy and have a good understanding of the exclusions, as well as your responsibilities as a homeowner.

Do regular maintenance of your home every spring and fall to avoid surprises. Small repairs regularly will avoid large expenses.

Make sure you purchase the best insurance for your needs and inquire about extra coverages you can add that may be useful to you.

 

Call Us Today

You need an expert to help you with your water damage insurance claim. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today.

The Benefit Of Hiring A Licensed Public Adjuster

The Benefit Of Hiring A Licensed Public Adjuster

Dealing with damage from water is never fun. This can get very costly very if you don’t take the proper precautions. At Mutual Claims Services, we offer a public insurance adjuster who will get you more money you deserve. We are the best choice when it comes to a water damage insurance claim. Located in Miami, we are here for you!

 

Insurance Companies Are Not Your Side

An insurance company will never voluntarily pay more than an amount claimed by a policyholder. So if you suffer a loss, the scope of damages needs to account for everything needed to restore the property to “uniform and consistent” appearance. That is where licensed public adjusters can really prove their worth—using their extensive knowledge and experience to include claim elements that may not appear obvious to the untrained eye.

 

An insurance company will not likely say, “Oh, you forgot to include this.” Homeowners typically are not building contractors, so how will you know what to look for and include in the claim and ensure a uniform and consistent restoration. That is where we come in.

 

For example, a recent case involved a water leak in a kitchen appliance that damaged the hardwood floor with subsequent leakage into a finished basement. The obvious damage was to the floor, subfloor, basement ceiling, and walls. The insurance company’s claims adjuster noted all this, added up estimated repair and replacement cost and offered a settlement amount to the homeowner, who had a Homeowners insurance policy providing replacement cost coverage.

 

Our Public Insurance Adjuster Will Get Everything Covered

Public Adjusters are experts on property loss estimating and are hired by the policyholder to assist in documenting, negotiating and settling insurance claims. Public Adjusters handle every aspect of your claim from beginning to end, working closely with the insurance company to provide you with the most equitable and prompt settlement.

 

The license requirements for public adjusters can change for each state, according to the U.S. Bureau of Labor Statistics. While some states have fewer regulations, others hold lengthy processes such as graduation from a specific education program and passing an examination. Continuing education is generally a requirement to maintain a state license. Communication and math skills are general job requirements for public adjusters, and as clients rely on public adjusters to get the job done, they must be able to be assertive and persistent in order to figure out the actualities of a claims case.

Mutual Claims Services doesn’t sit around to see how your insurance company reacts to your claim. Instead, we directly engage them and work hard, on your behalf, to get you exactly what you are entitled to.

 

Call For A Water Damage Insurance Claim

You need an expert public insurance adjuster. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today for advice on hurricane insurance claims.

The Difference Between A Public Adjuster & Independent Adjuster

If you’ve ever filed an insurance claim or are currently in the process of filing a claim, you know how complicated and often difficult the process can be. This is why it’s so important to inform yourself regarding exactly what you can do in order to receive the best settlement and be compensated like you deserve. If your home or business has suffered significant damage, the first thing you will want to do when it comes to the insurance claims process will be to figure out who is on your side and can help you get through the process the most smoothly. This is where you may need an insurance adjuster. If you are considering an adjuster to assist you with your property damage claim, you may be confused about the difference between a public adjuster and an independent adjuster. While the namesakes may be confusing, the professional roles that these two types of adjusters play in the claims process are quite different. Read on to learn more about the difference between the two and how they can help your claim. Mutual Claims Services is a top public adjuster Miami residents trust. Call us today for assistance with your insurance claim!

 

Independent Adjusters

 

The name “independent adjuster” can be quite misleading for civilians outside the insurance industry.  Independent adjusters function as anything but independent in the scheme of your claim, as they work under contract for an insurance company. The job of an independent adjuster is to look out for the rights of the insurance carrier you are trying to get a fair settlement from, and they represent the insurance company they are contracted to. An individual insurance policyholder cannot contract an independent adjuster to work on their behalf, as the overall stated goal of independent adjusters is to promote the general welfare of the insurance industry, not for individuals. Insurance companies pay these adjusters to adjust the claim in their favor. Independent adjusters hold licenses that only allow them to work for insurers, and the license is not valid to work for an insured. Insurance firms keep in-house staff adjusters and/or contract with independent adjuster in order to investigate and handle certain claims.

 

We are A Top Public Adjuster Miami Residents Trust

 

On the other side of the equation, public adjusters are licensed to work for only policyholders. 44 states and the District of Columbia currently have a statutory and/or regulatory setup for licensing public adjusters. This type of adjuster works only for policyholders and are not affiliated for insurance companies or also work for insurance companies. Public adjusters can be hired  by claimants to document, expedite, and file their claim, as well as to assist them throughout the complicated claims process. You hire a public adjuster to help make sure that the initial appraisal of residential or commercial property by the insurance property is accurate for the damage sustained for your property damage claim.

 

Contact Us Today

 

When it comes to your property damage claim, Mutual Claims Services is a public adjuster Miami residents rely on. Call us today to get the compensation you deserve!

A Guide To The Role & Requirements of Public Adjusters

A Guide To The Role & Requirements of Public Adjusters

If you need to file a claim with your insurance company in order to recomp damages that have occured to your home or business, you may feel stressed out. After all, you don’t just have to handle the stress of the damages- there is also the stress and burden of the claims process. This is where a public adjuster can be extremely helpful in order for you to go through the least amount of hassle on your property damage claim and make sure things come out fairly. So what exactly is a public adjuster, and how can a public adjuster help you with your insurance claim? Read on to learn more. Mutual Claims Services host public adjusters Miami FL residents trust. If you have hurricane insurance claims or other property damage claims, call us today for a consultation.

 

What is a Public Adjuster and What Do They Do?

 

A public adjuster is defined by the Insurance Information Institute as “an independent insurance professional that a policyholder may hire to help settle an insurance claim on his or her behalf.” There are three main types of insurance claims adjusters. The first type are staff adjusters who are employees of the insurance company, the second are independent adjusters who (contrary to their name) are independent contractors contracted to insurance companies, and the third are public adjusters who are employed by the policyholder. While your insurance company will probably send out one of their adjusters at no charge to assess the damages of your claim, keep in mind that they work for the insurance company and will want to save the company the most amount of money. On the other hand, a public adjuster is totally separate from insurance companies and you can hire a public adjuster independently in order to function as your personal advocate in order to assist you in receiving the full amount to which you are entitled. The role of a public adjuster is to advocate for a policyholder and assist with interpreting, evaluating, and negotiating an insurance claim. They help to free up the claimant from the settlement process so that the claimant is able to focus on other things than, for example, hurricane insurance claims.

 

We Are Public Adjusters Miami FL Trusts

 

The license requirements for public adjusters can change for each state, according to the U.S. Bureau of Labor Statistics. While some states have fewer regulations, others hold lengthy processes such as graduation from a specific education program and passing an examination. Continuing education is generally a requirement to maintain a state license. Communication and math skills are general job requirements for public adjusters, and as clients rely on public adjusters to get the job done, they must be able to be assertive and persistent in order to figure out the actualities of a claims case.

 

Contact Us Today

 

Public adjusters play a major role in making sure that you get a fair settlement in the case of hurricane insurance claims and other types of property damage claims. We at Mutual Claims Services are public adjusters Miami FL residents trust. Call us today for a consultation!

Is Mold Damage Covered Under Homeowner’s Insurance Policy?

Is Mold Damage Covered Under Homeowner’s Insurance Policy?

Mold damage can be quite damaging to both your home and the health of your family. If this unfortunate circumstance has happened to you or your family, you may be wondering- does homeowners insurance cover mold? While homeowners insurance covers mold damage if the  mold was due to”covered peril,” if it was not then the insurance company will probably not cover mold damage. However, there are certain exceptions- which is what we will be talking about. Read on to learn more about the circumstances in which your homeowners insurance may cover mold damage, and when it won’t. In such cases, you may want to hire a public adjuster to make sure that you get the compensation you deserve. Mutual Claims Services is a top public adjuster Miami residents trust. Call us today for a consultation regarding your insurance claim!

 

Mold Damage and Homeowners Insurance

 

Mold that resulted from a preventable water leak, flooding, or high humidity is not generally covered by home insurance policies. Moreover, for maintenance issues that insurers think a homeowner should have kept in check, home insurance firms also won’t shell out. Homeowners are expected by insurers to proactively take care of major problems before they snowball into something they need to file a claim for. However, mold is covered by home insurance if a “covered peril” by the firm is the cause of the mold. In such cases, your home insurance policy will probably pay for repairs and clean-up. Covered perils by home insurance typically include fire, lightning, vandalism, vehicular damage, theft, falling objects, weight of ice, snow, or sleet, accidental discharge or overflow of water or steam from household appliances and systems, and frozen pipes. For example, home insurance will probably cover your mold problem if an ice dam forms during a rough winter in your roof utter, and water backs up under the shingles and leaks into your attic without your knowledge, soaks your attic floor and insulation, and creates mold. Another example is if a pipe bursts in your home randomly and before you are able to take action, mold seeps in.

 

Does Homeowners Insurance Cover Mold?

 

There are cases where home insurance will probably not cover. If, for example, your pipes freeze and burst and you don’t notice or don’t go and call right away, and mold happens, or if mold forms in your shower and you don’t notice until it’s a major issue and your family gets a bit sick. Mutual Claims Services, a public adjuster Miami residents trust, note that insurance companies expect you to be proactive when it comes to home maintenance, which means that the insurer will probably not cover the damage if you don’t take care of your house and stay on top of your maintenance. Moreover, most homeowners policies don’t cover water damage caused by a flood, so you may want to purchase a separate flood policy in order to cover water damage and ensuing mold.

 

Contact Us Today

 

When it comes to the question: Does homeowners insurance cover mold, the answer is sometimes. If you are filing a property damage claim, contact Mutual Claims Services, a public adjuster Miami trusts, for a consultation!